What should I do after I receive my long-term disability denial letter?
When you first get your denial
letter, you will want to read over it carefully. Look at why the
insurance company is denying you. Did they receive all of the necessary
information? Are they denying you due to a pre-existing condition? Are
they denying you and claiming that you are no longer disabled? Or is the
insurance company saying you are not disabled from any occupation?
Whatever the case may be, you should
not panic or let your frustrations get the better of you. After you have gone
through the denial letter, you should at the very least reach out to a
disability attorney. Most attorneys provide free consultations and can guide
you on how to appeal your claim. The denial letter will also give you
instructions on appealing; however, do not appeal your claim hastily without
providing supportive documentation or reasoning. You should also request copies
of your files from the insurance company and review all information prior to
submitting your appeal.
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